Privacy Policy

Our Privacy-First Commitment

PennyNest is built on the principle of privacy. Unlike other financial apps, we never connect to your bank accounts or financial institutions. All data you enter is yours and yours alone.

Data Collection

We collect only the information necessary to provide our service:

• Account Information: Email address, name, and password (encrypted)
• Financial Data: All manually entered by you - income, expenses, assets, debts, etc.
• Usage Data: Analytics to improve the app (anonymized)

How We Use Your Data

• To provide and maintain the PennyNest service
• To calculate your net worth, cash flow, and financial projections
• To send you important service updates and notifications
• To improve our features based on usage patterns (anonymized)

Data Security

Your financial data is encrypted both in transit (TLS/SSL) and at rest. We use industry-standard security practices and are hosted on secure cloud infrastructure.

Data Sharing

We never sell your data. Your financial information is private and will never be shared with third parties except:

• When required by law (e.g., court order)
• With your explicit consent (e.g., sharing with your financial adviser)
• For payment processing (through Stripe, which has its own privacy policy)

Your Rights

You have the right to:

• Access all your data at any time
• Export your data in standard formats (CSV, JSON)
• Delete your account and all associated data permanently
• Opt out of marketing communications

Contact Us

Questions about privacy? Contact us at privacy@pennynest.app